The Richest Latino in America By Ruben Ruiz, MSFS, ChFC Table of Contents Free Chapter Soft Back---$19.95

A Self-Help Financial ‘Novela’, Si!

Award winning financial coach & author Ruben Ruiz delivers the ‘Novella and Changes the Look of Financial Self Help for Latinos Around the Globe

The man who made the “One Hour Hispanic Millionaire” a household name is changing the face of financial self-help by wrapping entertainment and education into one. The Richest Latino in America puts dry, boring texts firmly in the past where they belong and offers Latinos the opportunity to learn how to build an unlimited amount of wealth without having to thumb through pages of facts and statistics better suited for a college classroom.

Many of the financial self-help texts currently on the market are so complex and uninspiring that Latinos find themselves struggling to read from one cover to another, and they lose interest long before they’ve been able to successfully implement the techniques they teach. Ruben Ruiz, author of the “One Hour Hispanic Millionaire” and CEO of The Ruiz Financial Group, LLC, saw the need in the market and responded to it. 

“My mission is to teach & coach Hispanics on how to become wealthy or financially independent, because now is the perfect time to do it, and Latinos have every right as an American to take advantage of the opportunities available in the United States”, says Ruiz.

Ruiz brings his vast stores of experience to the pages of his latest book, The Richest Latino in America, slipping essential financial tips and techniques to help Latinos around the globe increase their net worth between the pages of a ‘novella’ that is guaranteed to hold their interest. Readers will have the opportunity to follow the path of “John Doe” Ricardo Barrera Vasquez as he goes from being a nameless, faceless member of middle class America to a self-directive, educated Latino that is on the way to becoming one of the richest Latinos in America.

The novella uses clever dialogue and memorable characters to teach readers the Seven Miracles of Wealth Creation, a wealth building plan so simple that anyone can implement it, regardless of their level of education, and so effective that they will begin to generate results within a matter of weeks-guaranteed. “Another very important characteristic of a truly successful individual is that they recognize that all men are only men.” Roland Serna, The Richest Latino in America. While all men are only men, there’s no reason that all men shouldn’t be wealthy men!

Achieve Wealth and Financial Freedom with The Richest Latino in America

The Richest Latino in America Introduces the First Guaranteed Wealth
Building System to Help Anyone Achieve Financial Independence, Regardless of
Who They Are or Where They Come From.

Everyone dreams of one day becoming a millionaire, but for most people the
goal of building wealth is as unattainable as having a weekend picnic on the
moon. Why? They’ve never learned how to do it!

Ruben Ruiz, CEO of The Ruiz Financial Group, LLC, and author of The One Hour
Hispanic Millionaire, introduces his latest book, The Richest Latino in America. In The Richest Latino readers have the chance to get to know Ricardo Vasquez, a middle class Hispanic who doesn’t want to be a middle class anything. With the help of his family and a few savvy friends Ricardo learns the seven miracles of building wealth and makes some great discoveries along the way. Readers can follow Ricardo’s adventures and learn for themselves what it takes to become The Richest Latino in America.

The Richest Latino in America is the only financial self help novella currently in publication in the United States. Readers have the opportunity to follow along with the book’s hero, Ricardo, his wife, Ann Marie, his friend Roland and a host of other delightful characters that will have them rolling in their seats on Ricardo’s quest to discover what it means to be truly wealthy..

When readers are introduced to Ricardo he is a middle class Hispanic American struggling with his ambition in the face of family disapproval. Rudy, Ricardo’s brother and soon to be new father, gives Ricardo the information he needs to contact Roland Serna, a successful businessman who has risen above the poverty of his roots to become one of the richest men in Texas.

Roland agrees to help Ricardo on his journey on one condition: He must be willing to travel with Roland to visit the homes of the other six Ricos Amigos, the small band of friends who had come together fifteen years before to create their own fail-proof wealth building system. This system, labeled The Seven Miracles by the Latinos Ricos, is introduced in bits and pieces throughout the story as Ricardo travels across the country. Whether he is roaming the streets of Las Angeles or watching a Colorado sunrise, readers will appreciate and relate to Ricardo’s hopes, his failures and ultimately, his success.

The purpose of The Richest Latino in America was not solely to entertain its readers, although it does so in abundance. The Seven Miracles provide a guideline to building wealth developed by Ruiz itself that, taken out of the fictional world of Ricardo and brought into reality, will provide readers with the resources they need to begin their own quest for financial freedom.

What are the Seven Miracles?

It is easy to contemplate the prospect of becoming a millionaire when you are at the head of a multi-billion dollar international corporation, but what about the janitor down the road that works for minimum wage? Does he (or she) have to sacrifice their dream of attaining wealth and financial freedom because their income simply cannot support their ambition?

Certainly not! The purpose of The Seven Miracles, the wealth building system created by Roland and his amigos, is to put average, ordinary people on the path to building wealth and winning their financial freedom. Through the steps outlined by the miracles readers will learn how they can properly allocate the resources they already have to grow their income, exponentially increase their net worth and properly invest their capital to ensure maximum gain. 

In The Richest Latino in America readers will learn the answers to the following questions:

• How do I pull together enough capital to get started investing?

• What do I need to do to become a millionaire and still pay my bills?

• Can I become a millionaire and still give back to my church, my
  family and my community?

• How am I going to build my net worth without sacrificing all of my
  fun?

• I don’t have a college degree. How can I learn what I need to know?

• Is anyone going to help me?

• And much more!

How Do The Seven Miracles Work?

The reason that the majority of Americans are not yet millionaires is not because they lack the opportunity but because they lack the knowledge. They are taught from birth that money is meant to be spent (after all, you can’t take it with you when you die) and as a result spend the rest of their adult lives living hand to mouth and paycheck to paycheck. When money goes out at fast as it comes in it is impossible to accumulate wealth.

There are many things that Americans need to learn in order to build wealth, but the single most important of these is how to allocate the resources that they have. Most of the population will figure out how much they have to spend in order to pay their bills, then consider the rest to be expendable income. It is that expendable income which must be put to good use if an individual is ever going to achieve their financial dreams..

With The Seven Miracles readers will learn how much of their income they should save, how much they should invest, how much they can use to “play”, how much they can use to give back and how much they should hold onto with a closed fist. These numbers are established in percentages, ensuring that everyone has a chance to watch their wealth accumulate regardless of the size of their monthly income.

The best part of the miracles, and the part that truly distinguishes them from the “Get Rich Quick” schemes found on the Internet and television, is the fact that with The Seven Miracles would-be millionaires can see an immediate return for their efforts. In the first sixty days they are going to be able to watch their capital and net worth grow, and although the amount is unlikely to equal the thousands of dollars promised by the charlatans advertising “Great new business opportunities” on late night television it is guaranteed to show steady, consistent growth as long as they continue to follow the guidelines established by The Seven Miracles.

The Seven Miracles also provide a long term wealth building opportunity by establishing guidelines that can be followed throughout the entire course of the investor’s life, which means that whether they are twenty one or fifty one they can use the Seven Miracles system to provide their income, grow their net worth and enjoy the financial freedom that accompanies true wealth. 

Who are the Seven Miracles Intended For?

Although the purpose of The Richest Latino in America was originally to provide support and encouragement to the often persecuted Hispanic community the guidelines established therein can be used by anyone. The achievement of wealth and financial freedom should not be restricted based on ethnic background, which is the true driving force behind the book and the message that Ruben Ruiz was attempting to convey on a wide scale.

What Type of Investing Information is Taught?

Along with the proper allocation of resources The Richest Latino in America contains a basic introduction to investing that will give the savvy would-be millionaire a great start on their investment career. As any wise financial advisor will tell you, the first and most important step to ensuring success in the field of investment is to hire a financial advisor! The Richest Latino teaches the ropes for choosing a financial advisor and discovering the resources that investors need to move their education forward, stay on top of their field and watch their net worth grow as consistently as possible.

Advisory aside, The Richest Latino in America also provides an introductory lesson into the world of investing, accounting, choosing the accounts that will allow investors to capitalize their return (from the mouth of a CPA herself) and branching out into the real estate market to provide a solid base for the future.

What do the Seven Miracles Have to do with Real Estate?

The real estate market is a mess right now, despite the fact that real estate is one of the most necessary (and therefore the hottest) fields of investment today. Why? Because homeowners and real estate investors haven’t learned how to use their resources to grow their investment base and keep their investments moving forward into the future rather than falling by the wayside.

To address the domestic view of the potential real estate applications of The Seven Miracles it is important that investors understand the difficulties currently facing homeowners. With the advent of interest only loans mortgage companies thought they had found the perfect solution to the slump in the housing market; however, as these loans are coming due homeowners are discovering that the inflation associated with the cost of living is driving their expenses beyond that which they can afford. They are unable to pay their mortgage, and so the home is foreclosed upon.

Investors are guilty of the same hand to mouth mentality as many of their non-professional counterparts, and they do not properly utilize their resources to help their investment grow. Rather than taking the profits from the investments they have already made and using them to grow and expand their investment base they consider them to be expendable cash (or spendable cash, as the case may be) and throw the money away before it can start to work for them. 

Both of these problems could be solved through a fundamental understanding of the investment and wealth building principles behind The Seven Miracles. Homeowners will learn how to use the allocation of their income to determine what they can afford to spend on a home to begin with and ensure that they continue to be able to afford it as time goes by. Investors learn to figure their investment income in with their total and properly account for their expenses so that they can go on to purchase a second property…and a third…and a fourth.

Providing for the Future

The bottom line is that the purpose of The Seven Miracles is not just to provide for today. It’s to ensure that everyone has the best chance of living the life they’ve always imagined and giving their children the rich future they deserve. The lessons taught in The Richest Latino in America can give that gift and provide investors young and old, rich and poor, Latino or African or Asian the chance to live their dreams and finally win the financial freedom they’ve been looking for.

Soft Back---$19.95